Denise Cruz

Licensed as a Real Estate agent since 2009 with a 17 year history of mortgage lending. 

 

My experience as a real estate agent has included:

Move-up Market (Selling current home to buy dream home)

Working with seniors (Moving from current home to independent/assisted living or a buying senior -friendly house)

First time buyers (Educating an preparing for the process)

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Official VA CERTIFIED Agent

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https://theVAloan.org/certified-agent/:bmEeSC4zpO67jxJftvkD

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VA buyers (Understanding requirements specific to VA financing)

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Investment property (both residential and commercial/mixed use space)

 

My experience as a mortgage lender and how it helps me better serve you as your Real Estate agent:

Managed group of lenders in the metro area – experience with managing possible pitfalls and options to correct any problems that might occur during the home buying process.

Personal production – I’ve taken clients step by step through the buying process.  Though lending products and practices are continually changing, I am familiar with a variety of options available to home buyers.

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Training of mortgage brokers (wholesale) on various subjects including Appraisals For Non-Appraisers.  – most Real Estate agents will pull comparable sales and “guesstimate” a sales price for your property.  I actually take the time to determine dominant features, make adjustments, and analyze trends. 

 

REO  (bank owned property) management and sales -  Experience in determining if simple fix-ups can maximize sales price in current market or if selling “as-is” is the better option. 

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My experience as a home buyer/seller:

Personally, I have purchased 2 primary residences, 3 investment properties, and 1 second home, and have sold 3 of these properties, so I am empathetic to what my client is experiencing.   I know the emotion and dreams attached to purchasing a primary residence as well as the analytical hat worn when deciding on a good investment. 

 

Where do we start?

Information is the starting point in making any kind of Real Estate decision.  I think it’s important to understand my client’s long term as well as short term goals.  It’s important to analyze the market to set realistic expectations.  If it’s a purchase transaction, it’s important to understand financing options and get pre-qualified so we can present the strongest offer possible in a competitive market.  If you are selling a house, it’s important to decide what steps to take to prepare your home so that you are putting your best foot forward and getting the best offer.